Kari Foust is a CFP® professional with 18 years of experience in the financial services industry. She has been with Navy Federal Investment Services, LLC since 2012 and currently works in Pensacola, FL. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, offering portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options. The firm utilizes managed advisory programs with third-party portfolio managers and provides layered investment solutions alongside a digital automated ETF portfolio product.

Tyler Lovett is a financial advisor with Navy Federal Investment Services, LLC, holding a Series 66 designation and seven years of industry experience. He has been with Navy Federal Financial Group and its affiliated entities since 2017, including a prior role at Tom James Company. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients. The firm offers portfolio management, financial planning, and retirement-plan fiduciary services, utilizing managed advisory programs with third-party portfolio managers and providing both advisory and commission-based options through its affiliation with a banking and credit-union group.

William Copeland is a Series 66-licensed financial advisor with Navy Federal Investment Services, LLC, based in Pensacola, FL. He has 10 years of industry experience and has been with Navy Federal Investment Services and Navy Federal Financial Group since 2015. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, providing portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options. The firm primarily uses managed advisory programs with third-party portfolio managers and offers layered investment solutions alongside digital automated portfolios.

Langley Holley is a Series 66 licensed advisor with six years of industry experience. He is currently with Navy Federal Investment Services, LLC and Navy Federal Financial Group, LLC, having joined both in 2025. Prior to this, he worked at Wiregrass Investment Management LLC for seven years and LPL Financial for ten years. Outside of his advisory work, he provides bookkeeping services for a family farm on a contract basis. Navy Federal Investment Services serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, offering portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options. The firm primarily uses managed advisory programs with third-party portfolio managers and supports layered portfolio solutions and automated ETF products.

Warren Johnson Jr. is a financial advisor at Navy Federal Investment Services, LLC with 11 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 66 licenses. His prior experience includes roles at Cetera Investment Services LLC and Regions Bank, along with service in the US Army Reserves and the Mississippi National Guard. Navy Federal Investment Services serves members of Navy Federal Credit Union and other clients by offering portfolio management, financial planning, and retirement-plan fiduciary services. The firm primarily delivers advice through managed advisory programs using third-party portfolio managers and provides both customized and automated investment solutions.

Ruddie Powell is a CFP® with four years of industry experience, currently advising at Navy Federal Investment Services, LLC. His career has been focused within the Navy Federal Financial Group and its affiliated entities since 2019, with prior work experience in the automotive industry. Navy Federal Investment Services serves members of Navy Federal Credit Union alongside individual, trust, and institutional clients, providing portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options. The firm relies on managed advisory programs that utilize third-party portfolio managers and offers layered solutions including unified managed accounts and automated ETF portfolios.

Brandon Baum is a financial advisor with Navy Federal Investment Services, LLC, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at Equitable Advisors, LLC, and service in the United States Army Reserve, where he currently serves as a 2nd Lieutenant in the Quartermaster Corps. Navy Federal Investment Services serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options through managed advisory programs and third-party portfolio managers.

Bryan Etheridge is a Series 66-credentialed financial advisor with six years at Navy Federal Investment Services, LLC and related entities, and a total of four years in the financial industry. Prior to his current role, he worked for the Florida Department of Corrections for three years. Navy Federal Investment Services serves members of Navy Federal Credit Union along with individual, trust, and institutional clients by offering portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options. The firm primarily delivers advice through managed advisory programs that utilize third-party portfolio managers and supports layered solutions including unified managed accounts and digital automated ETF portfolios.

Patrick Bussey III is a financial advisor with Stonex Advisors Inc. holding a Series 66 license and 26 years of industry experience. He has worked with Stonex Advisors since 2016 and with Stonex Securities since 2000. Outside of his advisory role, Bussey serves as Vice Chairman on the board of Gumbo Inc., a nonprofit focused on economic development in South Baldwin County. Stonex Advisors Inc. serves individuals, corporations, retirement plans, and charitable organizations by providing portfolio management, financial planning, and consulting services through a combination of independent advisors and an in-house Private Client Group. The firm employs a variety of model-based and advisor-managed investment strategies, supported by multiple platforms and periodic due diligence on third-party managers.

Gary Garner is a financial advisor at Impact Partnership Wealth, LLC with one year of industry experience. He holds a Series 65 designation and has worked at firms including Safe Harbor Financial Services and Relax and Retire Financial Services. Outside of advisory work, he is involved in insurance sales through Relax and Retire Financial Services, focusing on products such as annuities, life insurance, and Medicare policies. Impact Partnership Wealth provides investment management, model-portfolio implementation, financial planning, and ERISA retirement-plan consulting to individuals, high-net-worth clients, retirement plans, and business entities. The firm employs a combination of third-party strategists, adviser-managed models, and direct indexing within a discretionary trading framework supported by a third-party services platform.

Christian Early is a financial advisor with Navy Federal Investment Services, LLC, holding a Series 66 designation and four years of industry experience. His career includes roles within various branches of Navy Federal, as well as prior experience in retail and education sectors. Navy Federal Investment Services serves members of Navy Federal Credit Union along with individual, trust, and institutional clients by offering portfolio management, financial planning, and retirement-plan fiduciary services. The firm employs managed advisory programs featuring third-party portfolio managers on the Envestnet platform and provides both advisory and commission-based implementation options.

Jeremy Fowler is a Series 66-licensed financial advisor with seven years of industry experience. He has worked at Navy Federal Investment Services, LLC and Navy Federal Financial Group, LLC since 2017. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients by offering portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options. The firm primarily delivers advice through managed advisory programs that utilize third-party portfolio managers and supports a range of solutions including unified managed accounts and digital automated ETF portfolios.

Jose Robles is a financial advisor with Navy Federal Investment Services, LLC, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Navy Federal Financial Group and Regions Bank. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, offering portfolio management, financial planning, and retirement-plan fiduciary services primarily through managed advisory programs that utilize third-party portfolio managers. The firm combines advisory and commission-based services through its affiliation with a banking and credit-union group.

Patrick Bryant is a CFP® with 16 years of industry experience, currently advising at Navy Federal Investment Services, LLC. He has worked with Navy Federal and its affiliated entities since 2015 and has prior experience at firms including Morgan Keegan & Company and LPL Financial. Bryant serves as a Trustee for the Rehabilitation Foundation of Northwest Florida, where he participates in funding decisions for disability-related support. Navy Federal Investment Services provides financial planning, portfolio management, and retirement-plan fiduciary services to members of Navy Federal Credit Union, as well as individual, trust, and institutional clients. The firm primarily offers advice through managed advisory programs utilizing third-party portfolio managers and also supports automated investment solutions.

Christopher Albonetti is a financial advisor with Navy Federal Investment Services, LLC, holding Series 63 and Series 65 licenses and having 13 years of industry experience. His prior roles include positions at Guaranty Private Wealth, Redhawk Wealth Advisors, Fidelity Investments, and TD Ameritrade. Outside of his advisory work, he serves as a board member for St. Benedict at Auburndale, a private high school, where he advises on general school operations. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, offering managed advisory programs that utilize third-party portfolio managers, financial planning, and various investment solutions delivered through both advisory and commission-based channels.

Khoi Nguyen is a financial advisor at Navy Federal Investment Services, LLC with 17 years of industry experience. He holds the ChFC® designation and Series 66 license. Prior to joining Navy Federal in 2011, he worked at Edward Jones for two years. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, providing portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options through managed advisory programs and third-party portfolio managers.

Karen Hamilton is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Her career includes roles at Union Financial, Inc., Principal Securities Inc., Fourth Column Financial Group, and Principal Life Insurance Company. Outside of her advisory work, she is a founder and committee member of the Karen's Kids Scholarship Fund, which provides educational scholarships. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty U.S. military personnel overseas. The firm provides financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions under various advisory and promoter arrangements.

Houston Ingram is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with Capstone Financial Group, LLC since 2009 and has been affiliated with Principal Life Insurance Company since 2002. His business activities include fixed insurance products such as life, health, and annuities. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel overseas. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third‑party money manager solutions under various advisory and promoter arrangements.

Ronald Rowell is a Series 66-licensed financial advisor with nine years of industry experience, currently with Independent Financial Partners. His career includes previous roles at LPL Financial, Edward Jones, Kestra Investment Services, and Kestra Advisory Services. Outside of advising, he is a business owner involved in a retail restaurant enterprise. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform that serves individual, charitable, corporate, and high-net-worth clients, offering both decentralized and centralized investment strategies with a notable focus on formal retirement-plan advisory and pension consulting services.

Jane Doyle is a CFP® professional with 32 years of industry experience, currently serving at Oppenheimer since 2005. Prior to joining Oppenheimer, she worked at Morgan Stanley Dw Inc. for seven years. Outside of her advisory role, she is the author and promoter of a forthcoming book titled *You Heal You* and manages related ventures including a blog sharing stories from a spiritual center in Brazil. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of programs across equity, balanced, and fixed-income portfolios, with both discretionary and non-discretionary advisory services supported by strategic asset allocation and manager selection.